656 W Pole Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 656 W Pole Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,328 sqft · built 1925
Lot Size	5.9 acres (257,440 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Jun 2022)
Tax Bill	$5,313 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`592098`

Property Details

APN / Parcel Number

Primary APN	`592098`
Alternative APNs	`390211 322469 0000` `91116` `54316`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,328 sqft Living Area
1st Floor Area	1,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Architectural Style	Other
Exterior Material	Metal
Roof Material	Metal
Lot Area	257,440 sqft (5.9 acres)
Porch	Porch
Porch Area	360 sqft
Deck Area	644 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	54316
Street Address	656 W POLE RD
City	FERNDALE
State	WA
Zip	98248-9486
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10A
Legal Description	E 6 ACRES OF W 1/2 NW NE-LESS RD-EXC PTN TO WHATCOM CO FOR RD DESC AF 1605330
Legal Range	02
Legal Township	39
Legal Section	11
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	3
Census Block	3019
Census Tract	10600

Owner

656 W Pole Rd is owned and occupied by an individual who bought it in June 2022.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	656 W POLE RD, FERNDALE, WA 98248-9486
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CU
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on File
Deed Sale	Jun 3, 2022 · Amount on File
Deed Document Number	2022-0600332
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 3, 2022
Property Address	656 W POLE RD, FERNDALE, WA 98248-9486
Document Number	0000600332
Instrument Date	Jun 3, 2022
Instrument	2022-0600332
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,675.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 W POLE RD, FERNDALE, WA 98248-9486

Mortgage

Document Number	0000600333
Date	Jun 3, 2022
Instrument	2022-0600333

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	656 W POLE RD, FERNDALE, WA 98248-9486
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210502622
Date	May 17, 2021
Instrument	2021-0502622

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

Interest

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	656 W POLE RD, FERNDALE, WA 98248-9486
Document Number	2200303826
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	656 W POLE RD FERNDALE WA 982489486, FERNDALE, WA 98248-9486

Mortgage

Document Number	2200303826
Date	Mar 31, 2020
Instrument	303826

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 30, 2035

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	656 W POLE RD, FERNDALE, WA 98248-9486
Document Number	2170102118
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	656 W POLE RD FERNDALE WA 982489486, FERNDALE, WA 98248-9486

Mortgage

Document Number	2170102118
Date	Jan 20, 2017
Instrument	102118

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 19, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 656 W Pole Rd was $5,313.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,313.00	$606,207 Land $368,133 Building $238,074	$606,207 Land $368,133 Building $238,074
2022		$523,290 Land $308,463 Building $214,827	$523,290 Land $308,463 Building $214,827
2021	$4,076.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 656 W Pole Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	7 (1990–2025)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 3 claims Severe Storms & Flooding, Nov 1990 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 656 W Pole Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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